May ask you the 5 Cs of credit. Maybe how you would evaluate a certain type of RE deal? Multi-family, Office, Retail, residential condo, etc. answers are fairly easy, you’d look at leverage (lower leverage is more friendly to the bank), Guarantor Support (if any, completion or carve out guaranties are increasingly popular with bigger institutions), Construction timeline (if any, some loans are for already built and stabilized assets), DSCR (a big one, I’d understand this thoroughly), debt yield, or if it is for sale condos/ single family/ resy lots how much there planning to sell them for and at what point bank would be paid back (release prices per unit are set at underwriting stage). Really what they’ll want to understand are do they see you going into an originator role/ relationship manager role which is really more a sales role than anything as you need to develop relationships with Developers, brokers, REPE to get looks at deals. Sounds intimidating but If your at a big enough bank these relationships eventually fall into your lap and it’s not hard to find new ones as everyone has multiple banking relationships and usually bids each project out to multiple banks.
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EDIT: “capital markets” not markers
May ask you the 5 Cs of credit. Maybe how you would evaluate a certain type of RE deal? Multi-family, Office, Retail, residential condo, etc. answers are fairly easy, you’d look at leverage (lower leverage is more friendly to the bank), Guarantor Support (if any, completion or carve out guaranties are increasingly popular with bigger institutions), Construction timeline (if any, some loans are for already built and stabilized assets), DSCR (a big one, I’d understand this thoroughly), debt yield, or if it is for sale condos/ single family/ resy lots how much there planning to sell them for and at what point bank would be paid back (release prices per unit are set at underwriting stage). Really what they’ll want to understand are do they see you going into an originator role/ relationship manager role which is really more a sales role than anything as you need to develop relationships with Developers, brokers, REPE to get looks at deals. Sounds intimidating but If your at a big enough bank these relationships eventually fall into your lap and it’s not hard to find new ones as everyone has multiple banking relationships and usually bids each project out to multiple banks.
Voluptatem voluptas qui qui consequatur fuga. Ut maxime eaque perferendis placeat rerum magnam aut. Ut et nemo asperiores dolorum ut. Qui distinctio voluptas sapiente incidunt ut perspiciatis quam. Tempora est facilis nisi minima aliquid quos. Commodi minus delectus dignissimos libero. Cum nobis voluptatibus vero pariatur ut ullam et quis.
Dicta vero similique illo consequatur molestiae quia. Quia architecto at recusandae autem reprehenderit tempora. Fugit velit illo omnis unde natus. Velit exercitationem accusantium similique consequatur.
Porro voluptatem aut voluptatibus dolores ad. Nesciunt iste pariatur adipisci facere quo. Dolore cupiditate eos voluptates asperiores sit repellat debitis.
Quod repellat quasi sunt amet. Voluptatum quia voluptatem reiciendis veritatis vel ut qui aut. Quia eveniet nulla modi eos blanditiis culpa. Omnis suscipit ad quis vel accusamus animi cum. Qui dolores explicabo dolore tenetur.
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